did you tell the estage agents that 125 was ur final offer? we told our estate agents that 83 was our final offer even though we would ahve gone to 85..and they acceopted..what with the current market the vendor may come back to you ina few days and ask you if you still have the offer standing.. you never know.. dont go higher than what you can afford.. because you have to have life insurance, buildings insurance etc.. all that comes to aroudn 80 quid.. so u gotta budget ur monthly repayments.. good luck xx.. if the worst comes to theworst.. you could get a bigger house than that in wales for about 80k lol.. come live here.. its lovely